Hanover County Credit Score Mortgage Guide: What Score You Need — and What to Do If You’re Not There Yet

Down Payment Assistance Mortgage Options

This guide breaks down the credit score minimums for every major mortgage program available to Hanover County buyers — VA, FHA, USDA, Conventional, and Down Payment Assistance — and shows in real dollar terms what each score tier means for your rate and costs. Broker Duane Buziak (NMLS #1110647) also explains how a no-hard-inquiry soft credit pull lets you know exactly where you stand before you go under contract.